394 Ridge Rd, Prospect, VA 23960 Property Records

Prince Edward County property record for 394 Ridge Rd, Prospect, VA 23960

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,412 sqft · built 1985
Lot Size	5.05 acres (219,978 sqft)
Owner	2 Individual Names on Record
Last Sale	$355,000 (Feb 2024)
Tax Bill	$1,440 (2025)
Deeds & Mortgages	Feb 2024 Mortgage Aug 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`002 2 11`

Property Details

APN / Parcel Number

Primary APN	`002 2 11`
Alternative APN	`11287`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Building Area	2,412 sqft Living Area
Basement Area	1,608 sqft
Finished Basement	1,608 sqft
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Exterior Material	Brick
Construction Type	Frame
Lot Area	219,978 sqft (5.05 acres)

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	11287
Street Address	394 RIDGE RD
City	PROSPECT
State	VA
Zip	23960-7822
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOMINION FARMS SUB-DIV SECTION II LOT 11
Legal Subdivision	DOMINION FARMS SUB-DIV
Legal Lot Number	11
Jurisdiction	PRINCE EDWARD VA
Township / Civil Division	601
Census Block Group	1
Census Block	1002
Census Tract	930202

Owner

Source: Prince Edward County records, as of May 27, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	6 CUSHING POST, HAMPTON, VA 23669-1507
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Feb 12, 2024	Deed, Transfer · Conventional Mortgage ALCOVA MORTGAGE LLC
Aug 13, 2021	Warranty Deed, Transfer · Conventional Mortgage VETERANS UNITED HOME LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 12, 2024 · Amount on Record
Deed Sale	Feb 12, 2024 · Amount on Record
Prior Sale	Aug 13, 2021 · Amount on Record
Deed Document Number	2024217
Record Updated	Sep 20, 2026

February 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	PRINCE EDWARD VA
Recording Date	Feb 12, 2024
Property Address	394 RIDGE RD, PROSPECT, VA 23960-7822
Document Number	0202400217
Instrument Date	Feb 5, 2024
Instrument	202400217
Transaction Type	Transfer
Record Updated	Mar 21, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6 CUSHING POST, HAMPTON, VA 23669-1507

Mortgage

Document Number	0202400218
Date	Feb 12, 2024
Instrument	202400218

Lender

Name	ALCOVA MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

Interest

Rate Type	Fixed Rate

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PRINCE EDWARD VA
Recording Date	Aug 13, 2021
Property Address	394 RIDGE RD, PROSPECT, VA 23960-7822
Document Number	202101790
Instrument Date	Aug 12, 2021
Instrument	202101790
Transaction Type	Transfer
Record Updated	Sep 8, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	394 RIDGE RD, PROSPECT, VA 23960-7822

Mortgage

Document Number	202101791
Date	Aug 13, 2021
Instrument	202101791

Lender

Name	VETERANS UNITED HOME LOANS

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Prince Edward County assessment roll, as of February 24, 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Prince Edward County
Unified School District	Prince Edward County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,440.00 (+2,222.58%)	$360,000 (+50.82%) Land $38,200 Building $321,800	$360,000 (+50.82%) Land $38,200 Building $321,800
2024	$62.00 (-94.59%)
2023	$1,145.00	$238,700 (-) Land $29,200 Building $209,500	$238,700 (-) Land $29,200 Building $209,500
2022		$238,700 Land $29,200 Building $209,500	$238,700 Land $29,200 Building $209,500
2021	$1,145.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective April 22, 2023

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Planet Networks Fiber	1,000 / 1,000
Firefly Fiber Broadband Fiber	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on Ridge Rd

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